RBCAA - NASDAQ

Republic Bancorp, Inc.

RBCAA·NASDAQ

$80.96

-1.7%

Financial ServicesBanks - Regional

Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.42B

EPS6.6500

P/E Ratio12.17

Earnings Date07/17/2026

7.04B

Assets

3Y+21.0%

5Y+14.0%

10Y+46.0%

5.94B

Total Liabilities

3Y+19.0%

5Y+11.0%

10Y+41.0%

1.10B

Total Equity

11%

3Y+29.0%

5Y+34.0%

10Y+82.0%

Republic Bancorp, Inc. Funding & Solvency Profile

RBCAA · NASDAQ

Current Assets

Cash & Cash Equivalents219.97M

Net Receivables22.29M

Inventory0.00

Other Current Assets0.00

Total Current Assets242 M

Non-Current Assets

Property, Plant & Equipment67.32M

Goodwill & Intangible Assets40.52M

Long-Term Investments6.47B

Other Non-Current Assets217.09M

Total Non-Current Assets7 B

Total Assets

7.04B

Financial Health Analysis

Current Ratio

0.68x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.39x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-113257000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Republic Bancorp, Inc. Balance Sheet

RBCAA • NASDAQ

Republic Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	220M	432.2M	316.6M	313.7M	757M	485.6M	385.3M	351.5M	299.4M	289.3M	210.1M	72.9M	170.9M	137.7M	363M	786.4M	1.1B	616.3M	86.2M	81.6M
Short-Term Investments	0.0	342.9M	591.3M	620.4M	495.1M	523.9M	471.4M	475.7M	527.2M	481.3M	517.1M	435.9M	432.9M	438.2M	645.9M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	220M	775.1M	907.9M	934.1M	1.3B	1B	856.7M	827.2M	826.6M	770.6M	727.1M	508.8M	603.8M	575.9M	1B	786.4M	1.1B	616.3M	86.2M	81.6M
Net Receivables	22.3M	92.2M	87.5M	10.4M	8.5M	10M	13.9M	15M	16.6M	13.6M	8.9M	2.5M	0.0	0.0	46.5M	52.1M	56.8M	39.9M	0.0	0.0
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	46.5M	52.1M	56.8M	39.9M	0.0	0.0
Other Receivables	22.3M	92.2M	87.5M	10.4M	8.5M	10M	13.9M	15M	16.6M	13.6M	8.9M	2.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-2.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	242.3M	867.3M	995.4M	944.4M	1.3B	1B	870.6M	842.2M	840.2M	784.2M	736M	511.3M	603.8M	575.9M	1.1B	838.5M	1.1B	656.2M	86.2M	81.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	67.3M	68.5M	68.1M	69M	74.9M	82.9M	81.4M	43.1M	42.6M	40.5M	31.1M	33M	32.9M	33.2M	34.7M	37.8M	39.4M	42.9M	39.7M	36.6M
Goodwill	40.5M	40.5M	40.5M	16.3M	16.3M	16.3M	16.3M	16.3M	16.3M	16.3M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10M
Goodwill & Intangible Assets	40.5M	40.5M	40.5M	16.3M	16.3M	16.3M	16.3M	16.3M	16.3M	16.3M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10.2M	10M
Long-Term Investments	6.5B	5.5B	5.2B	4.6B	4.6B	4.9B	4.5B	4.2B	4B	3.8B	3.3B	3.1B	2.6B	2.7B	2.3B	2.7B	2.7B	3.2B	3B	2.9B
Other Non-Current Assets	217.1M	330M	316.9M	188.8M	168.7M	199.6M	178.1M	158.7M	144.4M	140.7M	118.2M	125.8M	104.2M	92M	26M	26.2M	26.2M	25.1M	60.1M	63.4M
Total Non-Current Assets	6.8B	6B	5.6B	4.9B	4.8B	5.1B	4.7B	4.4B	4.2B	4B	3.5B	3.2B	2.8B	2.8B	2.4B	2.8B	2.8B	3.3B	3.1B	3B
Total Assets	7B	6.8B	6.6B	5.8B	6.1B	6.2B	5.6B	5.2B	5.1B	4.8B	4.2B	3.7B	3.4B	3.4B	3.4B	3.6B	3.9B	3.9B	3.2B	3B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	27.5M	23.3M	21.8M	24.6M	0.0	0.0
Accounts Payable	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	27.5M	23.3M	21.8M	24.6M	0.0	0.0
Short Term Debt	355.5M	103.3M	97.6M	217M	291M	211M	167.6M	183M	204M	173.5M	395.4M	356.1M	165.6M	250.9M	230.2M	319.2M	299.6M	339M	398.3M	803.8M
Tax Payables	0.0	0.0	0.0	75.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	183.9M	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	0.0	5.2B	5.1B	4.5B	4.8B	4.7B	3.8B	3.5B	3.4B	3.2B	2.5B	2.1B	2B	2B	1.7B	2.3B	2.6B	2.7B	2B	1.7B
Total Current Liabilities	355.5M	5.3B	5.2B	4.8B	5.1B	4.9B	4B	3.6B	3.6B	3.3B	2.9B	2.4B	2.2B	2.2B	2B	2.6B	2.9B	3.1B	2.4B	2.5B
NON-CURRENT LIABILITIES
Long Term Debt	246M	395M	380M	95M	25M	276.2M	791.2M	851.2M	778.7M	843.7M	740.7M	748.7M	646.2M	583.8M	975.9M	606.1M	678.8M	556.5M	519.8M	687.8M
Other Non-Current Liabilities	5.3B	108.7M	115.8M	91.3M	63.6M	80.2M	74.7M	60.1M	37M	34M	30.1M	25.3M	26.5M	40M	0.0	0.0	0.0	0.0	29.6M	-374.9M
Total Non-Current Liabilities	5.6B	540.8M	531.4M	224.1M	128.3M	400.8M	902.5M	911.3M	815.8M	877.7M	770.8M	774M	672.7M	623.9M	975.9M	606.1M	678.8M	556.5M	549.4M	312.9M
Capital Lease Obligations	25.4M	37.1M	35.5M	37.8M	39.7M	44.3M	36.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	5.9B	5.9B	5.7B	5B	5.3B	5.3B	4.9B	4.6B	4.5B	4.2B	3.7B	3.2B	2.8B	2.9B	3B	3.3B	3.6B	3.7B	2.9B	2.8B
SHAREHOLDERS' EQUITY
Common Stock	4.6M	4.6M	4.6M	4.6M	4.7M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	4.9M	0.0	0.0	0.0	4.7M
Additional Paid-In Capital	156.7M	148.1M	142.1M	141.7M	140M	143.6M	142.1M	141M	139.4M	138.2M	136.9M	134.9M	133M	132.7M	131.5M	129.3M	131.3M	128.3M	124.6M	97.4M
Retained Earnings	945.4M	853.6M	786.5M	742.3M	687.7M	666.3M	614.2M	545M	487.7M	460.6M	432.7M	414.6M	401.8M	393.5M	311.8M	231M	178.9M	147M	124.6M	137.7M
Accumulated Other Comprehensive Income/Loss	-4.4M	-14.2M	-20.4M	-32M	1.9M	8.5M	3.1M	-997K	416K	687K	2M	4.3M	3.1M	5.6M	4.1M	6.1M	5.8M	620K	-338K	-1.4M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1M
Total Stockholders' Equity	1.1B	992M	912.8M	856.6M	834.2M	823.3M	764.2M	689.9M	632.4M	604.4M	576.5M	558.7M	542.8M	536.7M	452.4M	371.4M	316M	275.9M	248.9M	237.3M
Total Equity	1.1B	992M	912.8M	856.6M	834.2M	823.3M	764.2M	689.9M	632.4M	604.4M	576.5M	558.7M	542.8M	536.7M	452.4M	371.4M	316M	275.9M	248.9M	237.3M
SUMMARY
Total Liabilities & Equity	7B	6.8B	6.6B	5.8B	6.1B	6.2B	5.6B	5.2B	5.1B	4.8B	4.2B	3.7B	3.4B	3.4B	3.4B	3.6B	3.9B	3.9B	3.2B	3B
Total Investments	6.5B	5.9B	5.8B	5.2B	5.1B	5.4B	4.9B	4.7B	4.6B	4.3B	3.9B	3.5B	3.1B	3.1B	2.9B	2.7B	2.7B	3.2B	3B	2.9B
Total Debt	626.9M	535.4M	513.2M	349.8M	355.6M	531.6M	995.4M	1B	982.8M	1B	1.1B	1.1B	811.8M	834.7M	1.2B	925.4M	978.4M	895.5M	918.1M	1.5B
Net Debt	406.9M	103.3M	196.6M	36.1M	-401.3M	46M	610.1M	682.8M	683.4M	727.9M	926.1M	1B	640.9M	697M	843.1M	139M	-89.8M	279.2M	831.9M	1.4B
Shares Outstanding	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600	17,381,600

SEC Filings

RBCAA - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 20, 2026	May 20, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 13, 2026	April 23, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 24, 2026	February 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 21, 2026	2026	View Filing

Showing 1 to 10 of 483 filings

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